Gregory Holgate is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with HSBC Securities since 2009. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach includes both client-directed and fully discretionary portfolios, utilizing model risk profiles and a combination of strategic and tactical asset allocation supported by affiliated and third-party providers.

Thomas Naples is a Series 66-licensed financial advisor with two years of industry experience, currently associated with Primerica Advisors in Buffalo, NY. His work history includes roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his insurance sales activities, he dedicates limited time to securities trading-related work. Park Avenue Securities LLC serves a diverse retail client base, offering both brokerage and advisory services along with financial and business planning. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services including lending and donor-advised funds.

James Gomez is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his current firm, engaging in the sale of bank-related products alongside his role as a registered representative. His entire career has been with HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and discretionary options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Emily Dittemore is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. She has worked at Commonwealth since 2013 and previously at Webster University from 2014 to 2017. Outside of financial advising, she owns Dittemore Designs, a sole proprietorship specializing in handmade crafts. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a range of managed-account programs, access to third-party asset managers, and custody and clearing services, supporting advisors in implementing portfolios through both internal and external model portfolios.

Charles Triaga III is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 designations and 38 years of industry experience. His prior experience includes 14 years at key Investment Services LLC before joining Independent Financial Partners and IFP Securities, LLC in 2019. He is also the owner of Harbor Wealth Advisors, an investment-related business focused on financial planning, investing, and insurance services. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving tens of thousands of clients and offers both decentralized investment strategies and centralized asset management options, with a notable specialization in retirement-plan advisory and pension consulting services.

Sebastian Diaz is a CFP®-credentialed financial advisor with three years of industry experience. He is currently affiliated with Primerica Advisors and has worked at Park Avenue Securities and Guardian Life Insurance Company. Prior to his financial career, he was employed at Southern Tier Pediatrics and Southwestern Central School. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services along with financial planning and consulting. The firm utilizes a range of investment strategies through proprietary and third-party programs and provides various account-level services such as lending solutions and donor-advised funds.

Ping Lin is a CFP® professional with 15 years of industry experience, currently serving at Citizens Securities, Inc. since 2024. Prior to this, Lin worked at Charles Schwab Bank, SSB and Charles Schwab from 2021 to 2024, and HSBC Securities (USA) Inc. from 2015 to 2021. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory offerings that include a digital advisory program and a Managed Account program.

Jonathan Moyer is a financial advisor with TIAA-CREF, holding a Series 66 designation and 22 years of industry experience. He has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also advises donor-advised funds and operates within a vertically integrated structure using affiliated funds.

Chase Czachorowski is a Series 66-licensed financial advisor with two years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities in Buffalo, NY. His prior work history includes roles at DoorDash and Front Row Sports, as well as teaching at West Seneca East High School. He is also involved in an insurance-related activity outside of his primary advisory role. Park Avenue Securities LLC operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension plans, charitable organizations, and corporate clients with brokerage and advisory services. The firm offers a range of investment programs, financial planning, and retirement consulting, supported by proprietary technology and third-party strategists.

Arvin Reyes is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. Reyes has been with HSBC Securities and HSBC Bank USA N.A. since 2014. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, with both client-directed and discretionary options. The firm employs a structured investment process that incorporates strategic and tactical asset allocation and uses affiliated third-party providers for fund selection and account management.

Heather Schultz is a Series 66–licensed financial advisor with three years of industry experience. She is currently with Key Investment Services LLC and previously worked at Park Avenue Securities, Guardian Life Insurance Company, and Alliance Advisory Group. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products. The firm emphasizes client-directed model selection and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight across its programs.

Jonathon Neyerlin is a financial advisor at Empower Advisory Group with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Delta Academy of Trading and Aeon Fund. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and annual rebalancing through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Donna Barth is a financial advisor at Key Investment Services LLC with 25 years of industry experience. She has held roles at Key Investment Services LLC and KeyBank since 2016. Barth holds Series 63 and Series 65 licenses. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection supported by advisory recommendations and ongoing monitoring, and it operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Joseph Ahmed is a Series 66-licensed financial advisor with Primerica Advisors and has four years of industry experience. Prior to his financial services career, he served for 21 years with the City of Buffalo Police Department. Outside of advising, he is involved in public speaking through Copchat Training Services LLC. He works with Park Avenue Securities LLC, a firm serving a broad retail client base that includes individual and high-net-worth investors, charitable organizations, and corporate clients. Park Avenue Securities offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Michael Pratt is a CFA® charterholder with 14 years of industry experience. He is currently with Private Advisor Group, LLC and also operates under the Pratt Collard Buck Advisory Group name as part of his advisory services. He has been associated with Pratt Collard Buck Advisory Group for over 15 years. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to managed account solutions including proprietary and third-party programs. The firm follows a fiduciary-based advisory model and utilizes various investment strategies and technology platforms to meet client goals.

Derek Malis is a financial advisor with Primerica Advisors and holds a Series 63 designation. He has 12 years of industry experience, including roles at Park Avenue Securities and Guardian. Outside of his advisory work, he acts as an independent insurance broker offering products beyond Guardian. Park Avenue Securities serves a diverse retail client base with brokerage and advisory services, including financial planning and retirement consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and manages approximately $15 billion in regulatory assets under management.

Winthrop Buck is a CFP® with 10 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2021. He has operated under the Pratt Collard Buck Advisory Group name since 2017 and previously worked at Winthrop Financial, Inc. from 2012 to 2017. Private Advisor Group provides portfolio management, financial planning, retirement plan consulting, and managed account solutions to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a fiduciary-based advisory model that utilizes technology platforms and third-party managers to implement a range of investment strategies.

Shawn Barnum is a financial advisor with Valic Financial Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Valic Financial Advisors since 2014 and also holds a position at Agia since 2022. Outside of his advisory role, he serves as Power of Attorney for his mother. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models and operating at scale with over 1,200 advisors and approximately $26.4 billion in discretionary assets.

Matthew Verel is a financial advisor at Key Investment Services LLC with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Key Investment Services and Key Bank since 2017. Outside of his financial advisory role, he serves as a reserve deputy sheriff with the Erie County Sheriff Department. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while also providing access to third-party discretionary managers and supervisory oversight.

Thomas Volpini is a CFP® with 38 years of industry experience, currently serving at Hightower Advisors since 2017. Prior to this, he worked at Wells Fargo Advisors Financial Network LLC from 2009 to 2017. Outside of his advisory work, he serves as a reserve with the Erie County Sheriff Reserve in New York. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, pension plans, charitable organizations, and financial institutions. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a range of investment vehicles.